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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Guides
19 incredible ways to use 100K Chase Ultimate Rewards points: From first-class flights to all-inclusive getaways
Featured image by ROB DECAMP PHOTOGRAPHY/GETTY IMAGES
TPG's director of travel content Eric Rosen has used points and miles to visit some of the world's most remote corners, including swimming with whale sharks off Western Australia's Ningaloo Coast, exploring the wilds of Botswana's Okavango Delta and tasting the high-altitude wines of Argentina's Mendoza region.
August 17, 2026 • 19 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
A large stash of flexible travel points can unlock a wide range of high-value redemptions, including premium flights, luxury hotels and all-inclusive resorts worldwide.
Transfer options include 14 airline and hotel partners, with most offering 1:1 transfer ratios, though some recent changes affect specific hotel programs.
Points can be redeemed for business class flights to Europe or Asia, family trips to Hawaii or Orlando, and stays at top-tier hotels in destinations like Sydney, Buenos Aires and the Maldives.
TPG's August 2026 valuations estimate these points at 2.05 cents each, making 100,000 points worth about $2,050, with potential for even greater value through strategic redemptions.
What to consider
Transfer ratios and redemption values may vary depending on when you acquired your card and the specific partner program.
Some redemptions, especially for flights to or through London, may incur significant taxes and fees in addition to points.
Award availability and redemption rates can fluctuate, so flexibility and advance planning are important for maximizing value.
What you'll miss from the article
Detailed examples of high-value redemptions, including specific routes, hotel stays and strategies to stretch your points further.
Generated by AI with support from our editorial team.
Many Chase cards periodically offer opportunities to earn as many as 100,000 Chase Ultimate Rewards points just by signing up and meeting a minimum spending requirement within a specified period of time.
But what exactly can 100,000 Chase points get you?
Those 100,000 Chase Ultimate Rewards points are ultravaluable thanks to the ability to redeem them not just for trips through Chase Travel℠, but also via transfers to the program’s 14 airline and hotel partners. In fact, we’re brimming with ideas about all the ways you can use 100,000 Chase points.
Here are all the places 100,000 Chase points can take you.
As you can see, there are plenty of useful partners where your points can come in handy. Most Chase Ultimate Rewards transfer partners continue to transfer at a 1:1 ratio. The exception is World of Hyatt, where the transfer ratio depends on the card.
Those with the Chase Sapphire Preferred® Card (see rates and fees) who applied on or after June 15 can transfer points at a 4:3 ratio, while those who applied before June 15 can continue transferring at a 1:1 ratio through Sept. 30.
Beyond transfer partners, remember that you can get 1 to 1.75 cents in value per point for select flights, hotels, car rentals and more via Chase Travel thanks to the program’s Points Boost feature.
Because of the myriad choices that Chase redemptions present, TPG’s August 2026 valuations peg them at 2.05 cents apiece, which means 100,000 Chase points are worth around $2,050.
But they can potentially be worth much, much more if you take our advice and redeem them in one of the following ways.
Fly to Europe in lie-flat business class
It seems like business-class award flights cost hundreds of thousands of miles these days. But there are still some fantastic sweet spots, and we’ve got two of the best for you.
We also just found Air France business-class awards between New York’s John F. Kennedy International Airport (JFK) and Paris-Charles de Gaulle Airport (CDG) starting at just 45,000 Flying Blue miles — another Chase transfer partner.
AIR FRANCE
That means you could be celebrating the end of summer in the City of Light before you know it — and getting there in comfort.
We recently found award tickets between Los Angeles International Airport (LAX) and various Hawaiian airports, including Daniel K. Inouye International Airport (HNL) in Honolulu, Lihue Airport (LIH) on Kauai and Ellison Onizuka Kona International Airport at Keahole (KOA) on the Big Island, ranging from 13,000 to 15,000 United miles per person each way.
With 100,000 Chase points, you’d have enough miles to fly a family of three to the islands.
Spend 5 nights in Hawaii
Already have your flights to Hawaii covered? Then use your 100,000 Chase points for five nights in Hawaii at a Category 4 or 5 Hyatt, where many nights cost around 15,000 points.
HYATT
So, you could convert 100,000 Chase points into 75,000 or 100,000 Hyatt points (depending on which Chase card you have) and book five nights in paradise at hotels such as the Hyatt Place Waikiki Beach or the Hyatt Regency Waikiki Beach Resort and Spa.
In fact, we just found plenty of tickets starting at just 4,500 Rapid Rewards points each way between various cities and Las Vegas. With 100,000 points, you could plan a fun weekend with round-trip tickets for yourself and 10 of your closest friends. But there are also plenty of other great ways to redeem Southwest Rapid Rewards points.
Take advantage of Points Boost for cheap hotel stays
Chase introduced its Points Boost feature last year. Points Boost lets certain cardholders redeem their points for travel directly through Chase Travel at higher-than-usual rates.
While Points Boost rates vary depending on which Chase card you have, you could get up to 2 cents per point in value through the portal (with the Chase Sapphire Reserve®; see rates and fees).
That might not sound like much, but it means 100,000 Chase points are worth up to $2,000, which is a hefty sum to shave off a big trip. While the possibilities are endless, let’s say you wanted to visit Japan (like everyone else seems to have done in the past year or so).
You could spend three days eating your way through Osaka and saving $560 staying at the luxurious Swissotel Nankai Osaka for just 35,000 points.
CHASE
Then take the train to the cultural capital of Kyoto and spend three nights at the adorable Hotel The Celestine Kyoto Gion in one of the city’s most beautiful historical districts, for about 62,300 points instead of $934.
CHASE
With the Chase Sapphire Preferred Card, you’d save around $1,500 on a six-night trip by using your 100,000 points this way.
Take the family to Disney World and Universal Studios
You have myriad options for flying to Orlando. You could always transfer Chase points to Southwest, and we found plenty of tickets for 20,000 Rapid Rewards points and under from major cities like Washington, D.C.
You could also book directly through the Chase Travel portal, where your Ultimate Rewards points are worth up to 2 cents apiece toward flights with Points Boost. We recently found flights from D.C. to Orlando for just $169 on a mix of Delta Air Lines and JetBlue, which would cost only 11,252 points apiece with the Chase Sapphire Preferred.
Multiply that by four, and you’re looking at 45,000 points for four tickets to Orlando.
CHASE
Then, you’d have 55,000 points to transfer to World of Hyatt and end up with 41,250 points. That’s enough for nearly seven nights at the Hyatt Place Orlando/Lake Buena Vista in a room with two beds and a pullout, since award rates start at 6,000 points per night. The hotel is only a five-minute drive to Disney and 15 minutes from Universal Studios.
HYATT
With all the money you save, you’d have plenty left to spend on your days at the parks.
Hit up some Hyatt Category 6 stunners
KATIE GENTER/THE POINTS GUY
Award rates at Hyatt Category 6 hotels start at 25,000 Hyatt points per night, so 100,000 Chase points would convert to at least 75,000 Hyatt points (possibly 100,000 points), depending on the card you have. That's enough for at least three nights at stunning hotels, including TPG favorites like the Palacio Duhau-Park Hyatt Buenos Aires, the Alila Kothaifaru Maldives and the Park Hyatt Vienna, all of which have astronomical nightly rates that can regularly top $1,000.
Fly ANA first or business class to Japan
One of the most useful Chase transfer partners is Virgin Atlantic Flying Club, thanks to its extensive airline partners, including Japanese carrier All Nippon Airways.
Virgin Atlantic charges just 52,500 points each way to fly ANA business class from the western U.S. — including Los Angeles and San Francisco — to Tokyo. So, you’d need 105,000 Virgin points round-trip, a number that's easily attainable if 100,000 of those points are earned through a Chase card welcome offer. That sure beats paying $5,000 to $8,000 for a ticket!
KATIE GENTER/THE POINTS GUY
Alternatively, you could book a one-way flight in the airline’s incredible ANA The Suite first class from the western U.S. for 72,500 Virgin points or from the East Coast for 85,000 Virgin points. Those tickets regularly cost around $16,000.
London calling with Virgin Atlantic
Speaking of Virgin Atlantic, you can use its frequent flyer program to book awards from cities on the East Coast, including Boston and New York, to London’s Heathrow Airport (LHR), starting at just 6,000 Virgin points each way in economy and 10,500 points in premium economy.
BEN SMITHSON/THE POINTS GUY
That means you could fly up to eight people between the U.S. and the U.K. in coach or class things up and take four people in premium economy. Just beware that taxes and fees can be high when traveling to or through London.
Case in point: American Airlines operates several daily flights between its Miami hub and Grand Cayman. You’d need just 27,000 British Airways Avios and around $100 in taxes and fees round-trip, rather than paying typical prices of around $450 to $500. For 108,000 Avios, which you could earn from a 100,000-point Chase welcome bonus plus spending on the card, you’d have enough for four round-trip tickets, saving you around $2,000 in all.
One of those is Panama’s flag carrier, Copa Airlines. You need just 20,000 Aeroplan points to fly Copa round-trip to Panama City from cities like Miami; you'll only need 5,000 more points (or 25,000 points total) to fly round-trip from hubs like Houston and New York.
MACKENZIE ROCHE/THE POINTS GUY
You’d have more than enough points left over to transfer to World of Hyatt and book a couple of nights each at the swanky Hotel La Compania, located in a gorgeous historic building in Panama City’s Casco Antiguo district, and its sister resort in the nearby highlands, La Compania del Valle, both of which are part of the Unbound Collection. Free nights start at just 15,000 Hyatt points (15,000 or 20,000 transferred Chase points, depending on the credit card you have) at each property instead of paying around $300 per night.
Venture to South Africa on United
Points can make some of the world’s most far-flung destinations accessible. Case in point: You need just 90,000 United MileagePlus miles and around $60 in taxes and fees to fly round-trip from either Newark Liberty International Airport (EWR) or Dulles International Airport (IAD) near Washington, D.C., to either Cape Town International Airport (CPT) or O.R. Tambo International Airport (JNB) in Johannesburg in United Airlines economy, and award availability is plentiful.
CHIARA SALVADORI/GETTY IMAGES
Sure, the flights are long, but by saving money on your airfare, you can put even more toward phenomenal experiences like wine tasting in the Cape Winelands or a safari in Kruger National Park.
All-inclusive Mexico with Marriott
Marriott has so many brands these days that you might not be familiar with the Delta Hotels brand, which hails from Canada. But this chain also fields properties abroad, including in Mexico. You can book two nights at the Delta Hotels Riviera Nayarit, An All-Inclusive Resortstarting at just 53,000 points apiece.
DELTA HOTELS BY MARRIOTT RIVIERA NAYARIT/FACEBOOK
For that, you get jungly surroundings, a cute beach club, plentiful pools and, of course, all you can eat. With 100,000 points from a Chase card welcome bonus (plus a few extra from meeting your card's spending requirement), you'd have enough for two nights here instead of paying around $800.
Have it all with Hyatt all-inclusives
Speaking of all-inclusives, Hyatt has been incorporating all-inclusive brands, including Secrets and Dreams, left and right. With 100,000 Chase points that convert to 75,000 or 100,000 Hyatt points, depending on the card you have, you could have enough for at least five nights at various Category A and B all-inclusives, where award nights start at 12,000 and 15,000 points, respectively. Potential spots in Mexico and the Caribbean include the following properties:
Dreams Curacao Resort & Casino
Dreams Playa Esmeralda Resort & Spa in the Dominican Republic
Dreams Royal Beach Punta Cana in the Dominican Republic
Hyatt Vivid Grand Island in Cancun
Sunscape Puerto Vallarta Resort & Spa
Hyatt Vivid Grand Island in Mexico. HYATT
For a shorter stay, you could book three nights at various Category C all-inclusives, where rates start at 20,000 Hyatt points per night, including:
Secrets Esmeralda Resort & Spa in Punta Cana
Dreams Rose Hall Resort & Spa in Jamaica
Dreams Los Cabos Suites Golf Resort & Spa in San Jose del Cabo
Breathless Riviera Cancun Resort & Spa
Many others in the region fall into similar pricing bands.
Visit Singapore and Bali on Singapore Airlines
You can currently find plenty of awards flying economy on United Airlines or Singapore Airlines between the U.S. and both Singapore and Bali if you’re looking for a rainforest yoga retreat or relaxing beach trip. And even better, you have a choice of two great transfer partners.
SINGAPORE AIRLINES
We found round-trip awards in economy on United that require just 88,000 MileagePlus miles. Or, you would need 88,000 to 97,000 Singapore KrisFlyer miles (another Chase transfer partner) round-trip, depending on whether you’re departing the East or West Coast and heading to Singapore or onward to Bali, Indonesia. Tickets like this otherwise cost anywhere from $700 to $2,500 in the coming months, depending on the dates and the carrier.
Ni hao, Hong Kong
Don’t forget about Air France-KLM Flying Blue for partner redemptions either. You need just 95,000 Flying Blue miles and $130 in taxes and fees to book a round-trip award on Delta’s new Los Angeles-Hong Kong route, which otherwise ranges from $1,300 to $2,600.
FLYING BLUE
You could also visit Hong Kong by redeeming just 88,000 United MileagePlus miles for the airline’s flights to the city from both Los Angeles and San Francisco. That’s instead of airfares that typically price out at $1,200 to $1,400.
Operatic views in Sydney
The Park Hyatt Sydney is one of the world’s most iconic hotels thanks to its prime location and views of the Sydney Opera House.
HYATT
Award nights there start at 35,000 World of Hyatt points per night, so with 100,000 bonus points, you’d have more than enough for two award nights there (you’d end up with at least 93,000 Hyatt points total if your card has the lower 4:3 transfer ratio) instead of paying anywhere from $800 to $1,300 a night.
Salsa down to Cartagena, Colombia
Looking for an exciting South American escapade without breaking the bank (or having to fly too far)? Look no further than the sun-splashed Caribbean gateway of Cartagena, which has colorful colonial buildings and beautiful beaches just a short boat ride away. It’s also a quick flight from the U.S.
Skyline of Cartagena, Colombia. YADID LEVI/GETTY IMAGES
We are seeing round-trip flights from Atlanta to Cartagena on Delta starting at 35,000 Flying Blue miles or 37,000 Virgin Atlantic points, both of which are Chase transfer partners. Then, you could transfer Chase points to Hyatt and book six nights at 8,000 points each at the Hyatt Regency Cartagena for a total of 48,000 Hyatt points (or no more than 64,000 Chase points) instead of $275 per night.
Fly Qatar Airways’ Qsuite around the world
Feel like burning through your big batch of points on a blowout airline redemption? You can book a one-way ticket between the U.S. and Doha in Qatar Airways’ much-lauded Qsuite business class starting at 70,000 British Airways Avios, a 1:1 transfer partner of Chase Ultimate Rewards.
BRITISH AIRWAYS
You could go even further, all the way to the Maldives, for just 15,000 more Avios (that’s another five hours of luxury to experience). All told, you’d get nearly 24 hours of luxuriating in these fancy suites with closing doors, on-demand dining and high-end amenities. That’s instead of paying nearly $5,600 for the same experience.
Bottom line
With 100,000 Chase points, you have endless opportunities to travel, whether that’s jetting halfway around the globe or meeting up with friends and family nearby.
Thanks to Ultimate Rewards’ many transfer partners and the ability to redeem points directly through Chase Travel at rates of up to 2 cents apiece through Points Boost, Chase points are among the most versatile available.
While it might be hard to decide how to use all those points, one thing is simple: If you've been considering a Chase card that's offering at least 100,000 points as part of a welcome bonus, it's worth applying. Limited-time offers can change without much notice, so take advantage of them when you can to get maximum value from your Chase points.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
